BOQ share price: 4 key metrics to consider

Group 1: Company Overview - Bank of Queensland Limited (BOQ) is one of Australia's largest regional banks, operating nearly 200 branches across the country, many of which are run by 'owner-managers' who are small business owners themselves [2] - The majority of BOQ's loans are comprised of mortgages, which are critical to its business model [2] Group 2: Financial Metrics - The net interest margin (NIM) is a crucial measure of BOQ's profitability, with BOQ's NIM at 1.56%, lower than the ASX major bank average of 1.78% [6][7] - BOQ's return on equity (ROE) stands at 4.7%, significantly below the sector average of 9.35%, indicating lower profitability relative to shareholder equity [8] - The common equity tier one (CET1) ratio for BOQ is 10.7%, which is also below the sector average, reflecting a weaker capital buffer [10] Group 3: Valuation Insights - A dividend discount model (DDM) suggests an estimated average valuation of BOQ shares at $7.19, with an adjusted valuation based on expected future dividends rising to $7.40 [12] - When considering gross dividend payments, which include franking credits, the 'fair value' prediction for BOQ shares increases to $10.57 [12]